When a GST payment deadline is approaching, a second mortgage loan for GST liability can deliver the certainty and speed you need. At Secured Lending, we’ve advised and assisted borrowers with a GST liability and have facilitated over 200 strategic second mortgages. If timing is tight, we prioritise same day settlement with funding within 24 hours to meet an urgent settlement or ATO date. We act with calm, commercial judgment so you can pay, protect momentum, and keep options open. Secured Lending can help you move fast with a second mortgage loan for GST liability. Assess your scenario today.
Why Choose a Second Mortgage for a GST Payment
- Speed without upheaval: access equity quickly without refinancing your entire facility or disturbing your main banking relationship.
- Preserve working cash: let the asset carry the tax so your cash stays in operations, payroll, stock, marketing, or a time‑sensitive opportunity.
- Fit for purpose: a short term facility aligned to a defined exit—sales settlements, refinance, receivables, or a development milestone.
- Reduce ATO risk: paying promptly can limit interest and penalties and reduce exposure under the expanded DPN regime for overdue GST.
How a Second Mortgage Works
A second mortgage sits behind your first mortgage on title and is secured against available equity. Funds are advanced for a business purpose—to meet a GST obligation—and repaid from an agreed exit. Because the purpose is clear, assessment focuses on value and equity, your plan to repay, and timing. This targeted approach removes friction while keeping your primary facilities intact.
Private lender with National Reach
We are a private lender in Australia and operate Australia wide: Sydney, Adelaide, Melbourne, Brisbane, Perth, Gold Coast, Canberra. As a non-bank lender, we make decisions in-house and move at the pace your transaction demands. If your need is urgent or an emergency, we coordinate valuation, title checks, and documentation in parallel so you can focus on the business.
What You Can Expect from Secured Lending
- Straightforward pricing with an interest rate of 11.95% for qualifying second mortgage facilities used to meet GST obligations.
- Capacity to borrow up to $10million, subject to equity, purpose, and exit.
- Clear, direct communication: we review your brief, confirm available equity, and outline a path to settlement the same day where feasible.
- Timelines that match yours: same day settlement and funding within 24 hours when all requirements are met.
- Coordination with your solicitor and, where required, your first mortgagee to arrange consents and ensure a smooth, compliant settlement.
Security and Process
You can leverage residential or commercial property as collateral/security for a business purpose loan. We don’t accept other obscure assets as collateral. Where appropriate, we structure facilities as secured business loan, second mortgage, or bridging loans, matched to the amount, timeframe, and exit. Typical steps: brief and indicative terms, due diligence and documents, then electronic settlement. We stay close to your exit timeline and coordinate discharge once the GST is paid and your repayment source lands.
Scenarios We Support
- BAS due this week and you prefer not to drain trading cash.
- GST payable at property settlement and titles need to release.
- An ATO plan requires an upfront lump sum to reduce charges.
- Development nearing completion; GST falls due before refinance settles.
We keep documentation focused, coordination tight, and settlement execution reliable across changing market conditions for you nationwide.
How We Can Help
GST deadlines shouldn’t stall a transaction, a project, or your day. We review your scenario, structure funding that fits, and coordinate documents so you can meet the ATO on time and keep moving. We’ve provided strategic lending advice for this in the past and can help assess your scenario today. Secured Lending is a short-term lending solution you can rely on. When you’re ready, our team is here to help you move quickly and confidently. Our team specialises in urgent short term loans solutions such as bridging finance, second mortgages, and caveat loans.
FAQs
1) How fast can you fund a GST payment?
We move Fast: same day settlement is possible, with funding within 24 hours once valuation, consents, and documents are complete.
2) Are you a bank?
No—we’re a private lender and non-bank lender. Decisions are made in-house so timelines stay tight.
3) What security do you accept?
Residential or commercial property in Australia. We don’t accept vehicles, crypto, or other obscure assets as collateral.
4) What does pricing look like?
For qualifying facilities, an interest rate of 11.95% applies; total cost depends on term, risk, and position behind the first mortgage.
5) What if I only need a short bridge?
We can structure second mortgage or bridging loans aligned to your exit—sales settlements, refinance, or receivables—so you repay as soon as your funds land.
